Pay anywhere in Indonesia with your stablecoins.
Log in with a passkey, scan any QRIS code, and pay from your USDC balance. The merchant receives rupiah, just like always. No seed phrases, no trading, no charts.
Step 1 of 3
Point camera at any merchant QR code
From digital dollars to rupiah in 3 taps
No crypto exchanges, no P2P escrow delays, and no waiting days for international bank transfers.
Log in with a passkey
No 24-word seed phrases to write down or lose. Simply sign in with your biometric screen lock — Face ID or fingerprint. Your wallet is created in seconds.
Hold digital dollars (USDC)
Deposit USDC directly into your personal non-custodial address. Hold stable digital dollars to preserve your purchasing power until you are ready to spend.
Scan any QRIS code & pay
Scan the QRIS code at any cafe, warung, or supermarket in Indonesia. Confirm the amount with your PIN. The merchant receives rupiah instantly; you pay from your USDC.
Real app experience · Tested and verified
Actual screens from the live TakumiPay Android app
Pay your everyday bills, straight from your balance.
Top up electricity tokens, buy phone credit, or pay daily utilities in seconds. No need to off-ramp to an exchange, wait for bank transfers, or pay hefty withdrawal fees.
Electricity Tokens (PLN)
Purchase prepaid PLN electricity tokens instantly. Get your 20-digit meter code directly on your screen.
Phone Credit & Mobile Data (Pulsa & Paket Data)
Top up all Indonesian carriers: Telkomsel, Indosat, XL, Tri, and Smartfren in under 10 seconds.
Everyday Living Expenses
Settle daily domestic expenses with transparent live rates and zero international card surcharges.
What we left out on purpose.
Most crypto apps fail because they look like flight control panels. We built a payment app for real life, not a speculative casino.
No seed phrases
Forget copying 24 random English words on paper. If paper is lost, your money is gone. TakumiPay uses modern FIDO passkeys tied to your device biometrics.
No price charts or trading
Money is for buying lunch and paying rent, not staring at red and green candlestick charts all day. We treat stablecoins as digital cash.
No gas fees or chain IDs
You never need to calculate gas, buy volatile network tokens, or understand chain RPCs. You have one dollar balance that just works.
No NFTs or gimmicks
No cartoon pictures, no staking gimmicks, no bloated menus. Just a clean, lightning-fast payment app that does its job and gets out of the way.
Built for anyone who earns globally and spends locally
If you hold dollars and live in Indonesia, TakumiPay saves you time, exchange fees, and headache.
Freelancers & Remote Workers
Getting paid in USDC from clients abroad on Upwork, Fiverr, or international contracts? Skip the 3-5% exchange markup and tedious bank wire delays. Spend your earnings directly at coffee shops, warungs, and grocery stores.
People New to Digital Dollars
If you have never touched crypto because it seemed complicated or scary, TakumiPay feels just like GoPay, DANA, or Wise. If you know how to scan a QR code with your phone camera, you already know how to use TakumiPay.
Dollar Savers in Indonesia
Protect your savings in stable dollars against local currency inflation and depreciation, while maintaining instant, liquid spending power at over 30 million QRIS merchants across Indonesia anytime you need.
Your money, your keys, your control. In plain words.
Bank-level protection without the bank bureaucracy. Security you control — not custody you hand over to a stranger.
You are non-custodial
Unlike crypto exchanges where the exchange controls your money, TakumiPay never takes custody of your funds. Only your device can authorize transactions. We cannot freeze or touch your balance.
Your keys, your moneyBiometric approval on every move
Every payment requires your explicit biometric verification (Face ID, fingerprint) or device PIN. There are no silent background debits or surprise charges.
Biometric consentTransparent real-time rates
Before you tap confirm, the app shows the exact rupiah amount paid, the exact USDC debited, and the live exchange rate. No hidden spreads or unexpected deductions.
100% Upfront pricingNeed to send money? Just ask Takumi.
TakumiAgent lets you check balances or transfer stablecoins to friends using natural language — and always asks for your passkey before sending anything.
Backed & Recognized
Circle's Arc Accelerator
Backed by the Arc accelerator program, driving consumer programmable money adoption.
Arc Hackathon Winner
Winner of the Arc Programmable Money Hackathon for consumer stablecoin payment UX.
Start spending your stablecoins in Indonesia today.
Download TakumiPay on Google Play or install the direct preview APK. Zero seed phrases to write down, one-tap passkey login, and ready for every QRIS code.
Free download · Non-custodial · No credit card required